Sample Request for Verification and Notice of Dispute to Debt Collector/Creditor regarding Disputed Debt
From:
[Name & Address]

[Date]

To:
[Debt Collector Name & Address]

By Certified Return Receipt Mail, Receipt No. ___________________

Re:     Dispute Notice & Request for Validation
     	Your File No. [Debt Collector's reference number regarding this debt]

To Whom It May Concern:

I dispute the entire debt that you have contacted me about identified in your [date of collector's letter or phone call] letter (enclosed) [or phone call].  I demand my rights to verification of this debt in writing.  Provide me with the following information:

	The name and address of the original creditor;
	The account number of the original creditor;
	The name of the person to whom the original creditor claims opened the subject account or entered such contract establishing the debt;
	The written instrument documenting the agreement or obligation such as the account application, contract or other document establishing the liability you claim;
	An accounting and itemization of the amount you claim is owed, specifically the original debt, any amounts you claim are due because of interest, attorney's fees, costs, collection costs, and any other amount added to the original debt;
	The date(s) upon which the subject debt was incurred;
	A copy of any judgment relating to the debt;  
Monthly statements showing specific credits or debits to this account relating to the amount you claim is due; and
	Any other document supporting your position that this debt is my obligation.

I also demand that you cease efforts to collect upon this debt, do not call me at my workplace because that is not convenient for me and is not permitted by my employer, and do not contact me by telephone.  I demand that any further communication regarding this debt be in writing.  [You can also add: I demand that you stop communicating with me anymore regarding this debt in writing, by telephone, fax or any other means.]

Do not sell or assign this debt or otherwise communicate with anyone about this debt without also noting my dispute.

I have disputed this debt with [NAME OF CREDIT REPORTING AGENCY] to whom you are reporting it.  I demand that you notify this agency and all other persons or entities to whom you have legally reported this matter of my dispute and that you stop any such reporting of this dispute.

Sincerely,



[Your Signature and Printed Name]

[identify and enclose the letter you received from the debt collector for purpose of identifying the disputed debt]
[identify and enclose any documents supporting your dispute]